Spread beans on 14-inch serving platter.
In large skillet, brown ground beef over medium-high heat until thoroughly cooked, stirring occasionally; drain. Reduce heat to medium. Stir in taco seasoning and water. Cook and stir heat for 10 to 15 minutes. Spread beef mixture over beans.
Top with lettuce, cheese and salsa. Garnish with desired toppers. Serve with tortilla chips.