Preheat oven to 350 degrees F (175 degrees C).
In a medium bowl, blend the cream cheese and sour cream. Mix in the refried beans, taco seasoning, garlic, salsa, and green onions, 1/2 the Cheddar cheese and 1/2 the Monterey Jack cheese.
Transfer the mixture to a large iron skillet or 9x13-inch baking dish. Top with remaining cheeses.
Bake in preheated oven for 20 to 30 minutes, or until cheese is slightly browned.
Serve hot with tortilla chips and/or corn chips.