In a large bowl, combine the cream cheese, cool whip, banana cream pudding and milk and mix until creamy and thick.
In a trifle bowl, start by adding a layer of fruit on the bottom followed by 1/2" of pudding mixture, then another layer of fruit, then pudding and so on all the way up to the top. Make sure all fruit is well drained and cut up.
Once it's all layered, add dollups of whipped cream on the top and slice bananas to place in the whipped cream for added decoration. Add one large strawberry to the center.
Once you've placed the bananas, serve immediately. If making in advance, save the bananas and whipped cream on top until you're immediately ready to serve.