I'm having a same difficulty. How did you solve the problem?
See the below notifcatin massage:
1. Your payment of $XXX via Direct to Local Bank transfer account failed, and the money has been credited back to your Upwork financial account. Review your payment method information.Remove
Payment method Bank Transfer: xxxx-xxxx has been disabled.Remove
2. We are sorry! We are experiencing a technical problem and cannot process your request right now. Please try again in a minute.