Select dough cycle. When complete, punch dough down by starting bread machine, let stir a few seconds, then stop machine. Place dough on lightly floured work surface and let rest 5 to 10 minutes. Roll dough into a rectangle (about 9x15). Place cheeses over long half of rectangle. Sprinkle with onion, if desired. (I intended to use both onion and minced jalapeno, but didn't want it too spicy for guests. Also, you can use any combination of cheeses, just don't over-fill.) Fold dough over cheese and pinch edges to seal.

Place dough on large baking sheet lined with parchment paper, or well greased pan. Cover and let rise about 20 minutes. Bake in preheated 400F oven for 10 minutes, reduce heat to 350F and continue baking another 10 minutes. Slide parchment with bread onto wire rack and let cool about 15 minutes. Slice into 1-inch pieces and serve warm.

This can be prepared in advance. Before allowing loaf to rise, cover with plastic wrap coated with cooking spray. Refrigerate up to 10 hours. Remove from refrigerator and let reach room temperature, covered, about 2 hours. Bake as directed.