Easy Cheesy Refried Black Beans

• 2 cups refried black beans
• 2 teaspoons fresh lime juice
• 1/3 cup prepared salsa
• 1/4 teaspoon salt
• 1/4 teaspoon freshly ground black pepper
• 1 cup grated Monterey Jack
• 1/4 cup diced red onion, garnish
• 1/4 cup diced tomato, garnish
• 1 minced jalapeño, garnish
• 1/4 cup roughly chopped cilantro, garnish

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