COOK and stir turkey in nonstick skillet until no longer pink, stirring to break up turkey. Add seasoning mix and water; bring to boil. Cook on medium heat 2 to 3 minutes.
STIR in beans; cook an additional 5 minutes, stirring constantly and mashing beans slightly with fork. Stir in 1/4 cup of the cheese.
SPOON into serving bowl. Top with remaining cheese and tomato. Serve as a dip with crackers.