Ensure chilis are well drained and seeds are discarded.
Pre-heat oven to 325°F.
Spray non-stick baking spray on the bottoms and sides of a 9 x 13-inch glass baking dish; after non-stick baking spray has been applied, lightly butter the bottom and sides of the dish; ensure corners are sprayed and greased.
Spread 1/2 of Monterey Jack cees on bottom of the baking dish.
Place 1/2 of chilis on top of cheese; repeat; end with chilis.
In a medium bowl. add flour, milk, baking soda and egg; beat well until completely combined.
Pour mixture thinly and evenly over top of baking dish.
Place in pre-heated oven and for approximately 45 minutes; remove from oven.
Spread cheddar on top.
Return to oven and bake for an additional 15 minutes or until cheese has melted.
Remove from oven and garnish with sliced tomatoes, if desired.