Add the refried beans, salsa, and cheese to a medium pot.
Cook over medium heat, stirring regularly until the cheese is melted, about 5 minutes.
Stir, then serve while still warm with tortilla chips.
Notes
You can cook this in the microwave if needed using these directions: 1. Combine all of the ingredients in a microwave save bowl. 2. Place in the microwave and cook on high for 2 minutes. Stir, and cook for an additional 1 -2 minutes or until the cheese is melted. 3. Stir, then serve while still warm.