Layered Bean Dip

This is a party dish made of creamy and cheesy layers scooped onto crisp and salty chips. My mother, Alta, often makes this dish for her children and grandchildren. We’ve enjoyed it at countless birthday parties, first communions, graduations and many other family gatherings. It just wouldn’t be a celebration without Memo Alta’s layered bean dip. She is known for making the best pinto beans in the family and recently shared that, in a pinch, she makes this dip with canned refried bean and s