My wife and I have been zeta users for a few years now and overall really like it. The only qualm we have is it takes a little longer than we'd like to put money in and take money out of the account compared to more traditional banks.
That said, we do really enjoy the account and hope they continue to build out the service and do well!
Zeta is helping my boyfriend and I organize our finances, allowing us to split expenses and keep track of what we owe each other. It is even helping us prepare to to buy a house together.