This Veg-Head Three-Bean Chili recipe contains monterey jack, can black beans, can dark red kidney beans, olive or vegetable oil, vegetarian refried beans and more.
I don't like using Cheese Whiz in casseroles, so I wouldn't make this until my sister-in-law served it one night. No Cheese Whiz, just real cheddar cheese. Delicious, and kid-friendly.