Preheat your oven to 375°F (190°C). Lightly grease a 9x13 inch baking dish.

In a large skillet over medium-high heat, cook the ground beef with the diced onion until the meat is browned. Drain off any excess grease.

Stir in the minced garlic and cook for another minute until fragrant. Add the taco seasoning and water, and simmer for 3-5 minutes until the sauce has thickened.

Spread the refried beans evenly across the bottom of the prepared baking dish. Top with a layer of slightly crushed tortilla chips. Spoon the seasoned ground beef mixture over the chips, followed by the salsa.

Sprinkle the shredded cheese blend evenly over the top. Bake for 20-25 minutes, or until the casserole is heated through and the cheese is bubbly and golden.

Let the casserole rest for 5 minutes before cutting and serving with your favorite toppings.