01 - Preheat oven to 350°F.
02 - In a large mixing bowl, combine refried beans, sour cream, and softened cream cheese. Mix until smooth and creamy.
03 - Stir in 1 cup cheddar cheese, 1/2 cup Monterey Jack cheese, green chilies, salsa, onion powder, garlic powder, cumin, chili powder, smoked paprika, salt, and black pepper. Mix until thoroughly incorporated.
04 - Spread the mixture evenly into a 9x13-inch baking dish or similar oven-safe casserole dish.
05 - Sprinkle the remaining cheddar and Monterey Jack cheese evenly over the top of the dip mixture.
06 - Bake uncovered for 25 minutes, or until hot and bubbly with melted cheese.
07 - Remove from oven and let cool for 5 minutes to allow the dip to set slightly.
08 - Garnish with green onions, cilantro, and diced tomato if desired. Serve warm with tortilla chips, pita chips, or fresh vegetables.