Trevor's Bean Dip

1 (8 oz) package cream cheese, softened

1 cup sour cream

2 cans (16 oz, each) refried beans

1 packet taco seasoning

1/2 cup finely chopped onion (optional)

2 cups cheddar cheese, shredded

2 cups monterey jack cheese, shredded

In a large bowl, mix together cream cheese, sour cream, and taco seasoning. Mix in refried beans and onions. Spread mixture evenly into the bottom of a 9x13 baking pan sprayed with cooking spray. Sprinkle the top with both cheeses. Bake for 25-30 minutes, or until cheese in melted and slightly browned. Serve with tortilla chips.