BROWN ground beef and then add taco seasoning mix according to the directions on the package.
HEAT the refried beans in a separate pan.
LINE the bottom of an 8 x 11-inch baking dish with a layer of tortilla chips. Drop spoonfuls of meat, beans, salsa, onion, jalapenos and 1/3 of the cheese. Repeat three more times for four total layers.
BAKE at 350°F for 15-20 minutes.
REMOVE from oven and top with shredded lettuce and diced tomatoes.
SERVE with sour cream, salsa and guacamole, if desired.