Preheat oven to 350 degrees F. In a medium bowl, combine light mayo, neufchatel, cheddar and Monterey Jack cheeses, drained crab meat, onion, garlic and seasonings. Spread into a 9 inch glass baking dish. Sprinkle with Panko crumbs. Bake @ 350 for about 15 minutes. Serve with baked won tons or crackers.