Preheat your oven to 400°F (200°C). Lightly grease a 9x13 inch baking dish.

In a large skillet over medium-high heat, add the oil. Once shimmering, add the diced onion. Sauté until translucent, about 3-4 minutes. Add the ground beef and break it up with a wooden spoon. Cook until the beef is fully browned and no pink remains. Drain any excess grease.

Reduce the heat to medium. Add the minced garlic and cook for 1 minute until fragrant. Stir in the taco seasoning and cook for another minute. Pour in the ½ cup of salsa and stir well. Add the drained black beans. Bring the mixture to a low simmer and cook for 3-5 minutes until the sauce thickens slightly.

Spread a single, slightly overlapping layer of tortilla chips across the bottom of the prepared baking dish.

Spoon half of the seasoned ground beef and bean mixture evenly over the chips. Sprinkle one cup of the shredded cheese evenly over the beef.

Add the remaining chips in a second layer. Top with the remaining beef mixture, then sprinkle the final cup of shredded cheese.

Place the baking dish in the oven. Bake for 8-12 minutes, or until the cheese is completely melted and bubbling, and the tips of the chips are just beginning to turn golden.

Remove from the oven and let rest for 5 minutes. Top generously with optional toppings like sour cream, cilantro, olives, green onions, jalapeños, and extra salsa. Serve immediately.