Bring about an inch of water to a boil in a skillet and add corn. Cook for about 3 minutes until corn is no longer frozen. Drain and rinse under cold water. Drain well and add to beans.
In another bowl combine sour cream, mayonnaise, ranch dressing mix, garlic, salt, pepper, salsa and lime juice.
Add tomatoes and onion and cilantro to beans and corn.
Pour dressing over and mix well.
Sprinkle cheese over the top and garnish more with cilantro if desired.
Serve immediately or cover with plastic wrap and refrigerate until ready to serve, up to 2 days.
Notes
Salad can be stored up to 2 days in an airtight container in the refrigerator.