This recipe I got from my friend Anne Marie...it is such a good dip. We had it for the Rose Bowl, and it was a huge hit.
2 15 ounce can refried beans
4 ounces cream cheese, softened
1 cup sour cream
1 4 ounce can chopped green chilies
1/2 an onion, chopped
1 1/2 teaspoons taco seasoning
2 cups Monterey Jack cheese, grated
2 cups Cheddar cheese, grated
In a bowl, combine beans, cream cheese and sour cream. Add green chilies, onion and seasoning. Mix well. Spread half of the mixture in a 9 x 13 baking dish. Then layer cheese on top. Spread remaining dip on top of the cheese. Bake at 350 for 30 minutes, or until bubbly. Serve with tortilla chips, crackers or fresh vegetables crudites.