In a 4-5 quart crockpot, add in potatoes, carrots, bacon, broth, water, onion, garlic and pepper.
Cook on HIGH for 3 hours, or LOW for 6 hours (can go 8 hours on low if you're not home in time)
Once cooking time is done, whisk flour and cream/milk together until smooth. Add to slow cooker.
Cover and cook on LOW for 30 minutes. Add cheese and stir until cheese is melted.Taste and add salt if needed.
Serve hot with cheese, sour cream, bacon and chopped green onions.