Heat the oil in a skillet on medium, and sauté the onion, bell pepper and garlic for 5 minutes or until tender.
Add the beans and cook 5 more minutes or until hot.
Arrange the tortilla chips on a serving platter.
Sprinkle the cheese on top of the tortilla chips until they are evenly covered.
Top with the bean mixture.
Microwave for about 1 minute until the cheese is melted.