Position knife blade in food processor bowl; top with cover. Drop garlic through food chute with processor running; process until garlic is minced. Add beans and next 3 ingredients; process until smooth, stopping once to scrape down sides.
Spread bean mixture in a shallow serving dish. Spread sour cream over mixture. Cover and chill at least 8 hours.
Just before serving, layer cheese and remaining 3 ingredients over sour cream.