In a small bowl, combine the red beans, onions, green chili pepper, and cumin.
In an oven-safe 10×20 cm oiled baking dish, layer 8 crackers, then half the bean mixture, then 8 crackers, then the remaining bean mixture. Sprinkle the shredded cheddar cheese over the top.
In a small bowl, combine the mayonnaise, low-fat milk, and slightly beaten eggs.
Pour the egg mixture over the casserole.
Bake for 20-25 minutes until the top is set.
Serve with sour cream, olives, and lime wedges, garnished with parsley.