Turn on the broiler and place a rack 6-inches from the heating element.
Place the chips along the bottom of a 10-inch cast-iron skillet or 9-inch baking dish. Layer on top the beans, then evenly cover with the cheese.
Place under the broiler for 1-2 minutes or until the cheese is melted. Serve immediately topped with pickled jalapeños with guacamole and sour cream on the side.
Notes
You want to use beans that have been seasoned, so if you're using canned pinto beans, taste and add salt, chili powder, and whatever you like to make them flavorful. Ranch style beans are excellent, as are seasoned black beans. You could also use chili, too.