1 can refried beans
1 carton sour cream
1 jar salsa
shredded Cheddar cheese
jalapenos (optional)
banana peppers (optional)

Layer in a 9 x 13-inch baking dish the refried beans, sour cream and salsa. Layer cheese on top. Add jalapenos and banana peppers if desired. Refrigerate overnight and serve with tortilla chips for dipping.

You can make this dish mild, medium or HOT!!!