Thanks for reaching out to us. Direct to Local bank transactions take up to 4 days to be processed. If the transaction still hasn't reflected back to your Upwork account after eight business days, you can come back here, and we'll be happy to assist you further.
As Aleksandar has shared on his post, Direct to Local Bank transactions are processed in four business days. This means that weekends and holidays are not included. If the transaction still hasn't reflected on your account after eight business days, you can let us know by replying on this thread, and our team will assist you further.