1/2 a recipe of Melty Cheese: http://vegweb.com/index.php?topic=10618.0 
1 14.5-ounce can vegetarian refried beans
Honestly the rest is to taste/ optional:
Green onions, thinly sliced
Black olives, sliced
Guacamole or avocado slices
Vegan sour cream
1. Get your refried beans out of the can and into a covered microwave safe dish, ready to "nuke" in the microwave. Get all your other optional toppings ready to go as well.
2. Make your Melty Cheese and use soy milk or you will be very sorry... TRUST ME! Your Melty Cheese will thicken once it begins to bubble, I promise! Use a whisk and whisk the sauce the entire time, don't burn it! And please peoples, I know you far too well... Leave the recipe for the cheese as is, no changes.
3. While your cheese is heating, "nuke" your refried beans for maybe say, 3 minutes. Once Melty Cheese has thickened, take it off the heat. Put a mound of tortilla chips on your plate, dollop on refried beans in various spots, sprinkle or dollop on additional toppings, put a soup ladle into the Melty Cheese and pour it over everything. OMG delicious!!!
Source of recipe: This recipe is from my blog: http://veganluvies.blogspot.com/2010/07/vegan-nachos.html