Throw all the cheese ingredients into a small blender or food processor and blend until smooth.
Take a medium bowl and combine the bean ingredients and stir.
Combine the cheese sauce and bean mixture and heat in the microwave until heated through. Mine took around 3-4 minutes, stirring every minute or two.
You can serve it now, or this reheats great and has more time for the flavors to blend the next day. I would definitely serve this with your favorite guacamole and chips. It can also be used in burritos or tacos.