You cannot leave chip dip out overnight as leaving chip dip out overnight can cause the chip dip to grow bacteria and mold and spoil.
Especially if the chip dip contains milk or cheese as the milk and cheese in the dip can spoil within a few hours and make you sick and smell bad.
As for bean dip the bean dip may be okay if left out overnight although it too can contain bacteria and grow mold if left out overnight.
If the bean dip has no mold or bad smell and it was left out overnight it may be safe to eat but it's best to always refrigerate any leftover chip dip when not eating it within a few hours.
Chip dip that is left sealed can remain at room temperature for a few years.
But once opened the chip dip requires refrigeration to prevent spoilage.
If in doubt throw it out so it doesn't make you sick.