Preheat oven to 375°F.
In a large bowl, combine cream cheese, sour cream, refried beans, and taco seasoning until smooth.
Spread the mixture into a baking dish.
Top evenly with shredded cheddar cheese.
Bake for 20–25 minutes, or until hot and bubbly.
Garnish with green onions if desired. Serve warm with tortilla chips.