1. Heat oil in skillet over medium heat. Add onion and garlic; saute 3 minutes. Add beef; saute, stirring to break up clumps, until no longer red, about 3 minutes. Stir in beans with liquid and 1/2 cup salsa; season with salt and pepper. Cook over low heat for 10 minutes.
2. Place tortillas on plate; cover with damp paper toweling. Place in microwave oven on high power for 45 seconds or until warm; this makes the tortillas pliable for rolling. Spread heaping 1/3 cup filling evenly down center of each tortilla; sprinkle with cheese. Carefully roll up tortillas; place, seam side down, on serving dish. Spoon remaining salsa over top.
3. Microwave on high (100 percent power) for 45 seconds. Turn dish; microwave for another 45 seconds.