2 (16 ounce) cans of refried beans - I use Old El Paso Spicy Fat Free
1 (8 ounce) package cream cheese
1 cup sour cream
1 Taco Seasoning packet
2 cups shredded Monterey Jack cheese
2 cups shredded Cheddar cheese
Preheat oven to 350 degrees.
With a mixer, whip together cream cheese, beans, taco seasoning and sour cream until smooth. Spread into a 9x13 EZ Foil® by Hefty® Bakeware Pan. Sprinkle with both shredded cheeses, and bake for 25-30 minutes, or until cheese is slightly brown and dip is hot and bubbly around the edges.
Serve with tortilla chips.