I made this yesterday afternoon, while we watched the Auburn / LSU game. (War Eagle!) It's super easy, and very good. I didn't garnish it with green onion, but it would look prettier. If you don't have refried beans, you can start with pinto beans or black beans and puree them before adding the remaining ingredients. You may also need to add more onion, garlic, and cumin.
1 can refried beans
1/2 chopped onion
1 garlic clove, chopped finely
2-4 tbl chopped fresh cilantro stem
1-2 tbl chopped jalapeno (or to taste)
1/3 jar Pace Picante sauce
1/2 or more cup shredded cheddar cheese
1/2 tsp cumin powder (or to taste)
ground black pepper to taste
(chopped green onion and/or cilantro for garnish)
Stir all in a saucepan over low heat until cheese is melted and mixture is heated through. Garnish with green onion. Serve hot with tortilla chips or fritos.