Divide Chopped onion into 2 bowls. Reserve 1 bowl for later.
Combine Ground beef, 1 bowl chopped onion, and Taco Seasoning. Cook, Stirring frequently, until beef is browned and onions are clear. Drain & cool.
In a large bowl, Combine remaining chopped onion, ground beef mixture, shredded Cheese, Salsa, and refried beans and mix thoroughly. Serve in Dip Tray or individual dishes. Use a Dollop of Sour Cream and/or chopped cilantro as garnish if desired.