In a large bowl, whisk together the flour, graham cracker crumbs, baking powder, and salt.
Stir in the milk, beaten egg, and chocolate chips, mixing until incorporated.
Pour 1/4 cup of batter onto a heated griddle and cook each side until lightly browned.
1 cup (about 7 ounces) marshmallow fluff
2 tablespoons warm water
In a medium bowl, stir together marshmallow fluff and water until smooth. If the syrup is too thick, thin with more water.
Optional: Warm the marshmallow fluff in the microwave for 10-20 seconds, or until warmed. The marshmallows will expand, so be prepared for this.
Drizzle the marshmallow syrup on pancakes and serve immediately.