Cheesy Chile and Refried Bean Dip

2 (16 ounce) cans refried beans (regular or fat-free)
16 ounces cream cheese, cubed
2 chopped onions
2 (4 ounce) cans diced green chiles, drained
2 cups shredded Cheddar cheese
Tortilla chips

In a 2 to 3-quart crock pot, mix beans, cream cheese cubes, onions and chiles. Cover and cook for 2 to 3 hours, stirring twice during cooking, until hot.

Mix in 1/2 cup cheese. Sprinkle remaining cheese on top and serve with tortilla chips.