SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C.  20549


                                    FORM 8-K


                                 CURRENT REPORT


                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


Date of Report (Date of earliest event reported):  August 11, 2004


                         ELECTRONIC CLEARING HOUSE, INC.
                         -------------------------------
             (Exact name of registrant as specified in its charter)

            Nevada                     0-15245                93-0946274
(State or other jurisdiction   (Commission File Number)      (IRS Employer
      of incorporation)                                    Identification No.)


    730 Paseo Camarillo, Camarillo, California                   93010
    (Address of principal executive offices)                   (Zip Code)

       Registrant's telephone number, including area code: (800) 233-0406


--------------------------------------------------------------------------------
          (Former name or former address, if changes since last report)



ITEM  7.  FINANCIAL  STATEMENTS  AND  EXHIBITS.

          (c)  Exhibits

               99.1 Press  Release  dated  August 11, 2004, announcing financial
                    results  for  the  quarter  ended  June  30,  2004.

ITEM  12.  RESULTS  OF  OPERATIONS  AND  FINANCIAL  CONDITION.

     On  August 11, 2004, Electronic Clearing House, Inc. issued a press release
announcing its financial results for the quarter ended June 30, 2004.  A copy of
the  press  release  is  being  furnished  as Exhibit 99.1 to this report and is
incorporated  herein  by  reference.

     The  information in this report shall not be deemed "filed" for purposes of
Section  18  of  the  Securities  Exchange  Act  of 1934, nor shall it be deemed
incorporated  by reference in any filing under the Securities Act of 1933 or the
Securities  Exchange  Act  of  1934,  except  as shall be expressly set forth by
specific  reference  in  such  a  filing.



                                   SIGNATURES


Pursuant  to  the  requirements  of  the  Securities  Exchange  Act of 1934, the
Registrant  has  duly  caused  this  report  to  be  signed on its behalf by the
undersigned  hereunto  duly  authorized.



                                        ELECTRONIC  CLEARING  HOUSE,  INC.
                                             (Registrant)



                                        By: \s\Alice Cheung
                                            ------------------------------
                                          Alice  L.  Cheung,  Treasurer &
                                          Chief  Financial  Officer



Dated:  August 11, 2004



                                  EXHIBIT INDEX


EXHIBIT
NUMBER         DESCRIPTION OF DOCUMENT
------         -----------------------

99.1           Press Release dated August 11, 2004, announcing financial results
               for  the  quarter  ended  June  30,  2004