Refried Bean Dip

Preheat oven to 350°. In a large bowl, stir together cream cheese, sour cream, beans, taco seasoning, green onions, jalapeño, and half the pepper jack and cheddar. Season with salt and black pepper. Transfer dip to an oven-safe skillet and top with remaining pepper jack and cheddar. Bake until warmed through and cheese is melty, about 25 minutes.  Garnish dip with queso fresco, onions, tomatoes, and jalapeño. Serve warm with chips.