Prep the oven and pan. Preheat your oven to 400°F (205°C).
Lightly grease a 9x13-inch baking dish.
Pound or butterfly the chicken. For even cooking, lightly pound the chicken to an even 3/4-inch thickness or butterfly thicker pieces. Pat dry and season both sides with salt and pepper.
Optional quick sear. For extra flavor, heat 1 tablespoon olive oil in a skillet over medium-high heat and sear chicken 1–2 minutes per side. You’re not cooking it through—just adding color.
Transfer to the baking dish.
Mix the creamy layer. In a bowl, combine cream cheese, Greek yogurt (or sour cream), mayonnaise, garlic powder, onion powder, smoked paprika, and a pinch of salt. Stir until smooth. Fold in half the cheddar, half the Monterey Jack, chopped jalapeños (reserve a little for the top), half the bacon, and half the green onions.
Add the lime juice if using.
Assemble the bake. Spread the cream cheese mixture evenly over the chicken in the dish. Sprinkle the remaining cheddar and Monterey Jack on top. Scatter the reserved jalapeños over the cheese.
Add the crunchy topping. Mix bread crumbs (or crushed pork rinds) with the melted butter until evenly moistened.
Sprinkle over the top in a thin layer.
Bake until bubbly. Bake uncovered for 20–25 minutes, or until the chicken reaches an internal temperature of 165°F (74°C) and the top is golden and bubbling. If needed, broil for 1–2 minutes at the end for extra color—watch closely.
Finish and serve. Let it rest for 5 minutes. Top with the remaining bacon and green onions.
Serve with a crisp salad, roasted broccoli, or rice to catch the creamy sauce.