Brown ground beef with onions; drain well. Mix in taco seasoning and cook according to directions on envelope. I always use a little more taco seasoning than what’s normal since I don’t put taco sauce on this.

Cover oven-proof or microwavable plate with tortilla chips. Sprinkle cooked ground beef over top. Add banana peppers and about 1/4 – 1/3 of the cheese.

Repeat with another one or two layers.

If in a conventional oven, bake at about 375-400 for 10-15 minutes or until cheese melts.
OR
Microwave for about 4 minutes depending on strength of your oven but definitely check every 30 seconds.

Make sure you have plenty of towels because this stuff will warm you up in a hurry!!!