Heat a large pot on medium heat and add olive oil. Sauté the onion, poblano, jalapeno, carrots, and garlic for a few minutes with salt until slightly tender. Add the drained beans, tomatoes, broth, spices and bay leaf. Bring to a boil and reduce to simmer and allow to cook for 20 to 30 minutes or until the veggies are soft. Remove the bay leaf and puree with an immersion blender until smooth. Taste and add salt if needed. Serve with pico de gallo or salsa, sour cream, cheese, avocado and chips.