Simple Hot Bean Dip

1 can (28 oz) refried beans
1 (7-oz) jar green chile salsa
1/2 lb Monterey jack or cheddar cheese, grated
1 large Red onion, finely chopped
Tortilla chips

Combine the refried beans, salsa and half the grated cheese and heat until very hot.

Place in a chafing dish and surround with bowls of the chopped red onion, the remaining cheese, and the tortilla chips.

This can be assembled 1 or 2 days ahead and refrigerated. Heat and stir over lowest heat, then transfer to chafing dish to serve.