Combine all ingredients except cheese (sour cream or rice) and bring almost to a boil. Let simmer for about 30 minutes. Serve with cheese sprinkled on top, possible with sour cream or over rice depending on your preference.

You can also easily make this and leave it in the crock pot through the day so its waiting for you when you get home.

You can substitute the broth and leave out the chicken for a vegetarian alternative.

Beans can be switched for other types of white bean, and can be made from dried rather than canned, but you must soak and cook them first.