re: "Is it possible to set-up my business bank account with my personal name as the user of Upwork?"
Just make sure your personal name is an authorized user of the bank account. Then you can withdraw Upwork earnings to that account.
You can connect your business bank account to your Freelancer account. You can use any bank account that's in your name or is a joint account that has your name on it as a withdrawal method.
As long as it matches the name on your profile (your name), you should be okay.
If there is any mismatch between your business bank account name and your Upwork account name, you may be asked to clear the mismatch. In this case, you will be asked to provide documents that will prove that you are the owner of the bank account.
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