Pour the dried beans into a colander. Carefully pick thru them, removing any rocks, dirt clods or blemished beans.
Rinse thoroughly under cold water until the water runs clear, set aside.
Peel and dice the yellow onion, mince the garlic.
Set your Instant Pot on sauté and allow to heat for one minute.
Add the olive oil and diced onions, sauté for 3-4 minutes. Add the clove of garlic and sauté for another minute or so, just until the garlic becomes fragrant.
Add the remaining ingredients except the salt and enough liquid to cover 1 inch above the level of the beans.
Add the Instant Pot lid and seal. Turning valve to seal. Change to manual setting and set timer for 45 minutes.
When the timer is done, allow it to natural release (NPR) for 10 minutes. Then open the valve and release pressure.
Check seasoning - this is the time to add salt. You'll need to add 1 to 1 ½ teaspoons salt to taste.
Top with sliced jalapeños, salty cojita cheese and sliced green onions.