Brown ground beef in skillet, drain, and add taco seasoning, 1/4 cup water, and black beans. Let simmer for 3-5 min. Set aside.
In a 9x13" baking dish, spread the refried beans. Mix the cooked rice with 1/2 jar of salsa and spread over the beans. Add the beef mixture. Sprinkle with 1 cup cheese. Sprinkle chopped pepper and onion on top. Add the rest of the jar of salsa and top with remaining cheese.
Cover with foil and bake at 350°F for 25 min. Remove foil and bake 5 min more. Serve with tortilla chips, sour cream and lettuce.