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Preheat the Oven: Preheat your oven to 350°F (175°C).
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Mix the Ingredients: In a large mixing bowl, combine the refried beans, cream cheese, sour cream, and taco seasoning. Use a mixer to whip the ingredients together until smooth.
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Assemble the Dip: Spread the bean mixture into a 9×13-inch baking dish. Sprinkle the shredded Monterey Jack and Cheddar cheeses evenly over the top.
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Bake: Bake in the preheated oven for 25-30 minutes, or until the cheese is melted and bubbly, and the dip is hot throughout.
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Serve: Serve the dip warm with tortilla chips, and enjoy!
