Chicken Tortilla Soup - Quick & Delicious, Too!

1 can refried beans
1 can black beans, rinsed and drained
1 can, (14 oz) chicken broth
1 can Chicken (12.05 (oz)
¾ cup chunky salsa
1 1/2 cups frozen corn
½ cup water
2 cups shredded cheddar cheese
Tortilla chips

Mix first seven ingredients in a large sauce pan. Stir well, heat to boiling. Reduce heat and simmer for 10 minutes. Add one cup of cheese, cook and stir over low heat until cheese is melted. (This is optional).

Serve soup over slightly crushed tortilla chips and sprinkle with cheese.