Combine beans, sour cream, cream cheese, taco seasoning and salsa in a bowl until well combined.
Top with cheese and bake for 20 -25 minutes or until cheese is melted and the dip is bubbling around the edges.
*Optional: Broil on Low for an extra 5 minutes to get the cheese in the center bubbly.
Garnish with chopped cilantro and green onions
Substitute the taco packet with my Homemade Taco Seasoning Recipe
If you are sensitive to spicy recipes swap out spicy taco seasoning for regular or mild.