In medium bowl, mix refried beans and salsa. In shallow glass serving bowl or 12-inch serving plate, spread bean mixture.
Spread sour cream over bean mixture, leaving border of beans around edge. Spread guacamole over sour cream, leaving border of sour cream showing.
Sprinkle cheese over guacamole. Sprinkle onions over cheese. Serve immediately, or cover and refrigerate until serving time. Serve with tortilla chips.