Preheat oven to 350F. Line a loaf pan with parchment paper.
In a large mixing bowl and using a wooden spoon, mix coconut oil into the mashed bananas.
Add in the coconut sugar, eggs or flax eggs, almond milk/ applesauce, vanilla and spices. Sprinkle the baking soda and salt over the mixture and mix in.
Add the flours last, mixing just enough to incorporate - take care not to overmix! Fold in the chocolate chips or chopped baking chocolate, and fold to combine.
Transfer the batter into a buttered 4×8 inch loaf pan. Bake for 50 minutes to one hour, or until a tester or toothpick comes out clean. Cool on a rack.
For a special appearance, OPTIONAL: Melt remaining ¼ cup chocolate chips in the microwave. Pour it on the bread when it's been removed from the pan. Top with banana chips and walnut pieces.
