In a large bowl, combine the rinsed and drained black beans and pinto beans, drained corn, diced red and green bell peppers, finely diced red onion, chopped cilantro, and diced jalapeños (if using).

In a separate small bowl or jar, whisk together the olive oil, fresh lime juice, cumin, salt, and black pepper until well combined.

Pour the lime dressing over the bean and vegetable mixture.

Gently toss everything together until all ingredients are evenly coated with the dressing.

For best flavor, cover the bowl and refrigerate for at least 30 minutes to allow the flavors to meld. Stir again before serving.

Serve chilled with tortilla chips, crackers, or as a side dish.