In a large mixing bowl, whisk together mayonnaise, sour cream, lime zest and juice, salt, and black pepper until smooth.
To the bowl, add corn kernels, black beans, hominy, diced bell pepper, jalapeños, red onion, and cilantro.
Toss gently until everything is well coated.
Fold in cheddar cheese until evenly distributed. Fold in cheddar cheese until evenly distributed. Cover with a lid or plastic wrap and refrigerate.
Just before serving, mix in 2 cups of the corn chips or crushed tortilla chips. Transfer to a serving dish and garnish with the remaining chips and additional cilantro, if desired.
