01 - Line a baking sheet with parchment paper.
02 - Cut bananas into ½-inch thick rounds and arrange in a single layer on the prepared baking sheet.
03 - Place banana slices in the freezer for at least 1 hour until firm.
04 - Combine chocolate and coconut oil (if using) in a microwave-safe bowl; heat in 20–30 second intervals, stirring between each until smooth. Alternatively, melt over a double boiler.
05 - Remove banana slices from freezer and dip each into melted chocolate using a fork or toothpick, ensuring even coating.
06 - Place chocolate-coated banana bites back onto the baking sheet and immediately sprinkle with chosen toppings before chocolate sets.
07 - Return tray to freezer for at least 1 hour until chocolate is firm.
08 - Serve frozen. Store leftovers in an airtight container in the freezer for up to 2 weeks.