01 - Line a baking sheet with parchment paper.
02 - Peel bananas and cut into 1/2-inch thick rounds.
03 - Arrange banana rounds in a single layer on the baking sheet and freeze until firm, at least 1 hour.
04 - Melt chopped chocolate with coconut oil (if using) in a microwave-safe bowl or double boiler, stirring until smooth.
05 - Dip each frozen banana slice into melted chocolate using a fork or toothpick, letting excess drip off.
06 - Place coated banana pieces back onto the parchment-lined sheet.
07 - Sprinkle preferred toppings immediately before the chocolate sets.
08 - Return the tray to the freezer for at least 1 hour or until chocolate is fully set.
09 - Serve frozen directly; store leftovers in an airtight container in the freezer for up to two weeks.