01 - Preheat oven to 375°F. Lightly grease a 9x13-inch baking dish with cooking spray or a small amount of oil.
02 - Pat chicken breasts dry with paper towels. Season both sides generously with kosher salt and freshly ground black pepper. Arrange the seasoned chicken in the prepared baking dish in a single layer.
03 - In a medium bowl, combine sour cream, mayonnaise, chopped green onions, dry onion soup mix, garlic powder, onion powder, and milk. Whisk until completely smooth and well incorporated.
04 - Spread the sour cream and onion mixture evenly over the top of each chicken breast, ensuring complete coverage.
05 - Sprinkle shredded cheddar cheese evenly over the sauced chicken. If using crushed crackers or potato chips for extra crunch, distribute them over the cheese layer.
06 - Bake uncovered for 25–30 minutes, or until the chicken reaches an internal temperature of 165°F and the sauce is bubbly around the edges. The cheese should be melted and lightly golden.
07 - Remove from oven and let the chicken rest for 5 minutes before serving. This allows the juices to redistribute. Garnish with additional chopped green onions just before serving.