Support response:
The transferring of funds is a highly regulated process, and although we do facilitate payments between freelancers and clients, we aren’t allowed to act as a bank — which is essentially what happens when money is held in an account over an extended period of time. The scheduled payments system gives you options for how and when you withdraw your earnings, while putting in place some limits for how large a balance you can keep on Upwork and for how long
На самом деле это можно обойти, если вовремя менять расписание... Чаще всего квартальная и ежемесячная выплата не совпадает на пару дней. если вовремя между ними переключаться, то можно оставлять деньги на счете.