Add your chopped onion, bell pepper, and garlic to a saucepan. I did add a little oil to start cooking.
Once they have cooked for a few minutes, add the seasonings. Allow them to cook for a minute.
Add the beans and some liquid. Allow to simmer for about 10 minutes. I would add 1/2 cup of broth to start. You don't want soupy beans, but you want them to cook and not burn. I did add optional bay leaves.
Once they have simmered, remove the bay leaves and add the cilantro, lime juice and orange zest, if using. Taste and add anything you think it might need.
Serve as desired.