Preheat oven to 350 degrees F. Grease a 2-quart rectangular baking dish; set aside.
In a large bowl, combine beans and soup. Transfer mixture to the prepared baking dish. In a medium bowl, combine enchilada sauce and tomato sauce. Pour sauce mixture over bean mixture. Sprinkle with chips.
Cover with lightly greased foil. Bake about 40 minutes or until heated through. Sprinkle with cheese. Let stand for 5 minutes before serving. If desired, serve with toppers. Makes 4 to 6 servings.