Step 1

Preheat oven to 350 degrees F. Place tortilla chips in a 9- x 13-inch baking dish.

Step 2

In a medium saucepan, combine refried beans and taco seasoning mix over medium heat, stirring constantly until heated through; spoon over tortilla chips.

Step 3

Sprinkle cheese over bean mixture and bake 3 to 5 minutes, or until cheese is melted. Dollop with guacamole and sour cream then sprinkle with scallions, tomato, and sliced jalapenos, if desired. Serve immediately.