2 sm. cans refried beans
1 sm. container sour cream
1 pkg. cream cheese
2 lb. cheddar cheese
Salsa to taste
1 med. onion

Layer the refried beans, sour cream, onion, cream cheese, and salsa. Cover with cheddar cheese. Cook in microwave until bubbly, about 10 minutes on high. Remove. Mix together and serve with chips.