Add pinto beans and water to a slow cooker. Cook on high for 3 hours until soft.
Drain any excess liquid from the beans and mash them to your preferred consistency.
Stir in taco seasoning, salt, pepper, Rotel, whipped cream cheese, sour cream, and creamy melt cheese. Mix well.
Set the slow cooker to low for 1 hour, stirring occasionally until the cheese is melted and everything is well combined.
Keep the dip on the warm setting until ready to serve. Enjoy with tortilla chips, crackers, or fresh veggies!