Peel your bananas and slice each one in half crosswise, so you end up with six shorter banana pieces total. Insert a popsicle stick into the cut end of each half, pushing it about three-quarters of the way through so it holds steady.
Add your white melting chocolate and coconut oil to a microwave-safe bowl. Microwave in 20-second bursts, stirring between each one, until the mixture is completely smooth and pourable.
Holding each banana by its stick, spoon the melted chocolate mixture over the top until it's fully covered. Let any excess drip back into the bowl before setting the banana down on your lined baking sheet.
While the chocolate coating is still wet, gently press two candy eyes onto each banana to give it that classic spooky ghost expression. Work quickly here, since the chocolate firms up fast once it's out of the bowl.
Transfer the baking sheet to the freezer and let the ghosts firm up for about 15 to 20 minutes. Once the chocolate shell has hardened completely, they're ready to serve straight away.