1.Wash hands well with soap and warm water. Wash produce well and chop as directed.
2.In a large bowl, combine beans, water, garlic, jalapeño, lime juice, cumin, chili, salt and pepper. Using a potato masher or the back of a fork, smash until well combined.
4.Garnish with crumbled cheese (if using) and serve chilled. Store in refrigerator for up to three days.