Heat the oil in a large frying or cast iron pan (that is oven safe) over medium heat. Add the onion, garlic, salt, cumin and cook, stirring occasionally, until the onion has softened, about 5 minutes.
Add the beans, enchilada sauce; stir to combine until smooth and heated through. . Taste and season with salt as needed. Sprinkle cheese over bean dip and place in broiler until cheese is golden and bubbly, about 3-4 minutes. Garnish with cilantro, Serve with tortilla chips and lime wedges.