Soften the cream cheese. Let it sit at room temperature for 30–45 minutes.
This prevents lumps and gives you a smooth base.
Beat the base. In a large bowl, beat cream cheese until creamy. Add sugar, vanilla, lemon zest, lemon juice, and a pinch of salt. Mix until smooth.
Blend in the Greek yogurt or sour cream until fully combined.
Lighten it up. Gently fold in the whipped topping or freshly whipped cream. Use a spatula and light strokes to keep the mixture fluffy.
Prep the fruit. Rinse, dry, and cut the fruit. Pat everything dry with paper towels to reduce extra moisture.
If using canned fruit, drain it well.
Fold in the fruit. Add berries, grapes, pineapple, and mandarins to the cheesecake mixture. Fold gently until the fruit is evenly coated. Add banana last if using.
Chill. Cover and refrigerate for at least 30 minutes.
This helps the flavors meld and the texture set.
Finish and serve. Right before serving, sprinkle crushed graham crackers or chopped nuts on top for a cheesecake-like crunch. Taste and adjust sweetness with a dusting of powdered sugar if needed.