Preheat oven to 375 F.
Cook ground beef until browned and fully cooked. Add taco seasoning according to the directions on the package.
While ground beef is cooking, place crushed Fritos into the bottom of an 8x8 baking dish.
Cook refried beans, combined with salsa and 1 cup of the cheese, until hot. This can be done on the stovetop or in the microwave.
Spread bean mixture over the Fritos in the baking pan.
Spread ground beef mixture over the beans.
Sprinkle remaining 1 cup of cheese over the beef mixture.
Bake for approximately 15 minutes as all ingredients are already cooked and hot, you are primarily just melting your cheese.
Remove from oven and serve with assorted toppings