Best Ever Nacho Layer Dip [1]
From Food Network [2]

1 can refried beans
8 ounces cream cheese, softened
1 cup chopped tomato
1/2 cup coarsely chopped jalapenos
1/2 cup finely chopped red onion
1 cup shredded cheddar cheese
1/2 cup sliced scallions

1. Preheat oven to 375 degrees F.
2. Spread beans over bottom of baking dish. Spread softened cream cheese on top.
3. Layer tomatoes, jalapenos, red onion and cheese.
4. Bake for 20 minutes or until bubbly.
5. Top with scallions and serve with chips.

Serves 8.

Source [3]