Peel bananas and halve. Spear with skewers or popsicle sticks, put on a pan lined with parchment or wax paper, and freeze for at least 2 hours.
In the top of a double boiler over low heat, add coconut oil and chocolate. You can make a double boiler by placing a heat-proof bowl over a small pot of water.
Melt the chocolate slowly, stirring frequently. When it turns to liquid, turn off the burner and take out the bananas form the freezer.
Dip each banana in the chocolate, swirling it so it is totally coated, then immediately dip in toppings. Return to freezer for another hour before enjoying!