How to track it? Well, by checking your account to see if the transfer arrived or not. Or by asking the sending bank to do a trace of the transaction if it is taking unusually long for the transfer to arrive. Other than these two options, there is no other way. There is no database where you can check or track an ACH or SWIFT transaction. The one and only way is to ask the sending bank to trace it. They can do that but there might be a small fee.