Preheat oven to 400°F (200°C). Lightly grease a 10-inch oven-safe skillet or 8x8-inch baking dish.
In a food processor, combine the black beans, 1 cup cheddar cheese, salsa, sour cream, green chiles, taco seasoning, lime juice, and salt.
Process until smooth or to your preferred consistency.
Spread the mixture evenly into the prepared baking dish, then top with the remaining 1 cup of cheddar cheese.
Bake for about 15 minutes, or until the dip is hot, bubbly, and the cheese is melted.
Remove from the oven and let cool for 5 minutes. Top with cilantro, cotija cheese, green onions, jalapeños, and avocado.
Serve warm with tortilla chips, pita chips, crackers, or fresh veggies for dipping.
Notes
Make it spicier. Use hot sauce, hot green chiles, or cayenne pepper to increase the heat. If using hot sauce, start with a few drops. It's easy to make it too spicy.Mix up the toppings. There are so many toppings to try. Instead of cotija cheese, you can use queso fresco. Fresh garnishes are delicious, too. Try cherry tomatoes, black olives, or diced tomatoes.Use pinto beans. Keep the other ingredients the same and substitute black beans with pinto beans. They yield a creamy texture and milder flavor than black beans.Enjoy it cold or at room temperature. Skip the baking, and this dip will be ready in 5 minutes. You can also cook chopped onions, garlic, and jalapeño peppers as add-ins. This will add warmth and flavor.