Prepare the Ground Beef:
– In a skillet over medium heat, cook the ground beef until browned, breaking it apart with a spoon. Drain excess grease, then stir in the taco seasoning and water. Simmer for 5 minutes, then remove from heat.

Warm the Beans:
– Heat the refried beans in a small saucepan or microwave until soft and spreadable.

Assemble the Enchiritos:
– Lay a tortilla flat. Spread a layer of refried beans down the center. Add a scoop of seasoned beef and a sprinkle of diced onions. Roll up the tortilla like a burrito.

Prepare the Baking Dish:
– Place each rolled enchirito seam-side down in a greased 9×13-inch baking dish.

Add Sauce and Cheese:
– Pour the enchilada sauce over the top of the rolled enchiritos, ensuring they are evenly coated. Sprinkle shredded cheddar cheese over the sauce.

Bake:
– Preheat your oven to 375°F (190°C). Cover the dish with foil and bake for 15 minutes. Remove the foil and bake for another 5–7 minutes, or until the cheese is fully melted and bubbly.

Garnish and Serve:
– Remove from the oven and garnish with sliced black olives, sour cream, or chopped cilantro if desired. Serve warm and enjoy your Taco Bell-inspired enchiritos!