Wash and thoroughly dry the fruit using paper towels, drying each piece individually. If you’re dipping bananas, peel and slice them.
Set up a dipping station including all (optional) toppings.
Line a baking sheet with parchment paper.
After the fruit is washed and dried, melt the chocolate in the microwave starting with 30 seconds at full power. Stir gently then microwave another few seconds, up to 30 seconds. NOTE: softened wafers retain their shape until you stir them. Don't overheat the chocolate or it will seize.
Hold the strawberries, hold the stem then dip into the chocolate almost to the top. Lift, give it a small swirl then transfer to the parchment paper lined baking sheet and coat with desired toppings (optional). Repeat until all the fruit is covered. If you're dipping bananas, use a fork to hold the banana slice and coat the entire piece so it doesn't turn brown.
Transfer the dipped fruit to the refrigerator for 15-30 minutes to chill and harden.