Slice the bananas: Cut into 1/2-inch thick rounds. Arrange them on a parchment-lined baking sheet.
Freeze the slices: Pop them in the freezer for 15–20 minutes so they firm up. This keeps chocolate from sliding off later.
Melt the chocolate: In a microwave-safe bowl, combine chocolate chips and coconut oil. Heat in 20-second intervals, stirring each time, until smooth.
Dip the bananas: Use a fork or toothpick to dip each banana slice into chocolate, letting excess drip off. Place back on the parchment.
Add toppings: Sprinkle nuts, coconut, or cacao nibs immediately after dipping while chocolate is still soft.
Freeze again: Chill for at least 30 minutes to let the chocolate harden.