01 - Preheat oven to 400°F (200°C).
02 - Arrange tortilla chips evenly in a single layer on a large, oven-safe baking sheet or platter.
03 - Warm refried beans in a microwave-safe bowl for 1 minute, then dollop or spread them over the chips.
04 - Distribute drained diced tomatoes with green chilies evenly over the beans and chips.
05 - Sprinkle shredded cheese generously over the chips mixture and add sliced jalapeños if desired.
06 - Bake for 8 to 10 minutes, or until cheese is fully melted and bubbling.
07 - Remove from oven and immediately top with salsa, sour cream, black olives, and sliced green onions as desired.
08 - Serve immediately while hot for best texture.