Peel the bananas and cut them in half crosswise.
Insert a wooden popsicle stick into the cut end of each banana half.
Place the bananas on a baking sheet lined with parchment paper and freeze for at least 2 hours until firm.
In a microwave-safe bowl or double boiler, melt the chocolate chips and coconut oil together, stirring until smooth.
Dip each frozen banana half into the melted chocolate, using a spoon to coat evenly if necessary.
Immediately roll or sprinkle with optional toppings while the chocolate is still wet.
Return the coated bananas to the parchment-lined sheet and freeze for an additional 30 minutes until the chocolate is set.
Serve frozen.