Peel the bananas and cut them in half. Insert a popsicle stick into each half.
Place the banana halves on a baking sheet lined with parchment paper and freeze for at least 1 hour, or until firm.
Melt the chocolate chips and coconut oil in a microwave-safe bowl in 30-second intervals, stirring in between, until smooth. Alternatively, melt in a double boiler.
Remove the frozen bananas from the freezer. Dip each banana half into the melted chocolate, coating it completely.
If using toppings, immediately sprinkle them onto the chocolate-covered bananas before the chocolate sets.
Place the coated bananas back on the parchment-lined baking sheet and freeze for at least 30 minutes, or until the chocolate is firm.
Serve immediately or store in an airtight container in the freezer.