2 (15 oz.) cans refried beans
1 c. chopped onions
2 pkg. taco seasoning mix
1 (16 oz.) container sour cream
2 c. (8 oz.) shredded Cheddar cheese

Mix the beans, taco mix and onions together and put in a 9 x 13 dish sprayed with Pam. Spoon sour cream onto bean mixture and spread evenly. Top with cheese.

Bake for 30 minutes at 350°F. Serve with taco chips.