Prepare the Crust:
In a medium bowl, mix the graham cracker crumbs, melted butter, and granulated sugar until the mixture resembles wet sand. Press the mixture evenly into the bottom of a 9×13-inch baking dish to form the crust. Refrigerate for at least 30 minutes to set.

Make the Cream Cheese Layer:
In a large mixing bowl, beat the softened cream cheese and softened butter together until smooth and creamy. Gradually add the powdered sugar and continue to beat until well combined. Spread this mixture evenly over the chilled graham cracker crust.

Layer the Bananas and Pineapple:
Arrange the banana slices evenly over the cream cheese layer, ensuring they cover the entire surface. Spread the well-drained crushed pineapple over the banana layer.

Add the Strawberries and Whipped Topping:
Layer the sliced strawberries on top of the pineapple. Gently spread the whipped topping or whipped cream over the strawberries, covering the entire dessert.

Decorate and Serve:
Drizzle the chocolate syrup over the whipped topping. Sprinkle with chopped nuts if using, and garnish with maraschino cherries.

Chill Before Serving:
Refrigerate the dessert for at least 4 hours or preferably overnight to allow the flavors to meld and the layers to firm up. Slice into squares and serve chilled.