Preheat oven to 350 degrees
In a medium bowl add refried beans, cream cheese, sour cream and taco seasoning. Using a hand mixer whip together until combined.
Spread in a 9x9 baking dish and sprinkle the cheese on top. Bake 25 minutes or until cheese is melted and bubbly.
Remove from oven and sprinkle green onions and diced jalapenos on top. Serve with tortilla chips or Fritos.