Prepare the Creamy Base: In a large mixing bowl, gently fold together the whipped topping and sweetened condensed milk until smooth and creamy.
Add the Fruits: Stir in the drained pineapple chunks, fruit cocktail, grapes, and cherry pie filling. Mix gently to avoid crushing the fruits.
Add Bananas & Extras: Fold in sliced bananas and mini marshmallows (if using). You can also add shredded coconut or other toppings at this stage.
Chill and Serve: Cover the bowl and refrigerate for at least 1–2 hours. This helps all the flavors meld and improves texture. Serve cold.
Optional Garnish: Before serving, sprinkle with lime zest, chopped nuts, or a drizzle of chocolate if desired.