01 - Position one flour tortilla flat on a clean work surface.
02 - Spread refried beans evenly across one half of the tortilla.
03 - Evenly distribute shredded cheese over the bean layer. Sprinkle chopped green onions, salsa, and cilantro as desired.
04 - Fold the tortilla to form a half-moon shape and press the edge gently to seal.
05 - Place the folded tortilla into a toaster bag or wrap securely in parchment paper. Insert into a wide-slot toaster or toaster oven.
06 - Toast for 3 to 5 minutes, or until the tortilla is golden brown and cheese has melted.
07 - Carefully remove the toasted tortilla, slice into wedges, and serve promptly. Optional: Accompany with salsa or sour cream.