On a baking sheet or in a ceramic oven-safe dish put a base layer of tortilla chips and sprinkle liberally with a combination of both shredded cheddar and Monterey Jack cheese.
Repeat with a second layer of chips and cheese.
Bake for 10-15 minutes or until the cheese is melted and bubbling.
Starting with your black beans, layer the rest of the ingredients and finish with sour cream, pickled onions, and chopped cilantro.