01 - Line a baking sheet with parchment paper.
02 - Slice bananas into ½-inch thick rounds and arrange in a single layer on the baking sheet.
03 - Place banana slices in the freezer for at least 1 hour until firm.
04 - Melt dark chocolate and coconut oil (if used) in a microwave-safe bowl at 20–30 second intervals, stirring between each, until smooth; alternatively, use a double boiler.
05 - Remove banana slices from the freezer and dip each piece into melted chocolate using a fork or toothpick, ensuring full coverage.
06 - Place chocolate-coated banana bites on the baking sheet and immediately sprinkle with preferred toppings before chocolate sets.
07 - Return the tray to the freezer for at least 1 hour until the chocolate is firm.
08 - Serve frozen; store leftovers in an airtight container in the freezer for up to 2 weeks.