Preheat oven to 350°F.
In a large mixing bowl, combine ground beef, cracker crumbs, onion, garlic powder, egg, milk, ketchup, Worcestershire sauce, and seasoning salt blend. Mix just until everything is well incorporated. Don't overmix.
Press the meat mixture evenly into 13"x9" baking dish.
Bake the meatloaf layer for 25-30 minutes, or until the meat is nearly cooked cooked through. It will finish during the final bake time.
While the meatloaf is baking, prepare the mashed potatoes. If using store-bought, heat according to package instructions then stir in cheddar cheese. If making homemade, follow the Whipped Mashed Potatoes or Sour Cream Mashed Potatoes recipes linked and once mashed, stir in cheddar cheese.
Once the meatloaf layer is cooked, remove it from the oven. Carefully pour off excess grease into a bowl. Spread the prepared mashed potatoes evenly over the top of the meatloaf.
Sprinkle shredded cheddar cheese over the mashed potatoes.
Mix cracker crumbs with melted butter, and sprinkle on top.
Return the casserole to the oven and bake for an additional 15-20 minutes, or until the cheese is melted and bubbly, and the topping is golden brown. Cool 5 minutes before slicing and serving.