I stole this from another site that Tarna had posted, I hope you don't get mad Tarna but damn, this sounds really good!
The Best Hot Bean Dip
1 14 oz. can refried beans
8 oz. cream cheese (softened)
8 oz. sour cream
1/2 pkg. taco seasoning mix
2 bunches green onions (chopped)
grated cheddar cheese
Mix first five ingredients well and pour into 1 1/2 quart casserole or loaf pan. Sprinkle grated cheese on top and bake at 350 degrees for 20 minutes. It's that EZ and this bean dip is delicious ! !