Cook onion and garlic in oil in a large skillet until onion is soft.
Add the zucchini and bell pepper and cook till tender.
Add the tomatoes, spices, beans and salsa.
Cook several more minutes until it's all hot.
Serve beans over rice.
Notes
Note: For oil-free, skip the olive oil and use a bit of water when cooking the onions. Add the garlic after the onions cook, when you add the other vegetables.