The Best Bean Dip

The Best Bean Dip was pinched from <a href="http://www.the-girl-who-ate-everything.com/2015/01/best-bean-dip.html" target="_blank">www.the-girl-who-ate-everything.com.</a>
INGREDIENTS
1 can (16 ounces) refried beans
1 cup picante sauce
1 cup (4 ounces) shredded Monterey Jack cheese
1 cup (4 ounces) shredded cheddar cheese
¾ cup sour cream
1 package (3 ounces) cream cheese, softened
1 tablespoon chili powder
¼ teaspoon ground cumin (or more to taste)
tortilla chips
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