01 - Line a baking sheet with parchment paper.
02 - Peel the bananas and cut them into 1/2-inch thick rounds.
03 - Arrange banana slices in a single layer on the baking sheet and freeze for at least 1 hour until firm.
04 - Melt chocolate and coconut oil (if using) in a microwave-safe bowl or double boiler until smooth, stirring well.
05 - Use a fork or toothpick to dip each frozen banana slice into the melted chocolate, letting excess drip off.
06 - Arrange chocolate-covered banana pieces on the parchment-lined baking sheet.
07 - Immediately sprinkle chosen toppings on each coated banana before the chocolate sets.
08 - Return the tray to the freezer for at least 1 hour or until chocolate hardens.
09 - Serve chilled directly from the freezer. Store leftovers in an airtight container in the freezer for up to two weeks.