Preheat the oven to 375°F (190°C). Spray a 9×13-inch casserole dish with cooking spray.

Spread the refried beans in the bottom of the dish.

Layer shredded chicken over the beans and sprinkle with taco seasoning.

Add crushed tortilla chips on top.

Top with shredded cheddar cheese.

Bake for 30 minutes, until the cheese is melted and bubbly.

Let cool slightly, then serve with optional toppings like sour cream or salsa.