With a wooden spoon, mix together the Cool Whip, cherry pie filling, sweetened condensed milk, and sour cream in a large bowl.
Fold in the mini marshmallows, pineapple chunks, bananas, walnuts, maraschino cherries, and mini chocolate chips until combined.
Cover the large bowl with plastic wrap and put the fluff salad into the fridge for at least 30 minutes.
Drizzle a little chocolate syrup on top of the salad and serve cold.
