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):  December 21, 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 2.02.  RESULTS  OF  OPERATIONS  AND  FINANCIAL  CONDITION.

     On  December  21,  2004,  Electronic  Clearing  House,  Inc. issued a press
release  announcing  its financial results for the quarter and fiscal year ended
September  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.

ITEM 9.01.  FINANCIAL  STATEMENTS  AND  EXHIBITS.

          (c)  Exhibits

               99.1 Press  Release dated December 21, 2004, announcing financial
                    results  for the quarter and fiscal year ended September 30,
                    2004.



                                   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:  December 21, 2004



                                  EXHIBIT INDEX


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

99.1      Press  Release  dated  December  21,  2004,  announcing financial
          results  for the quarter and fiscal year ended September 30, 2004