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): February 10, 2005



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

          Nevada                       0-15245                 93-0946274
(State or other jurisdiction       (Commission File          (IRS Employer
      of incorporation)                 Number)            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)

Check  the  appropriate  box  below  if  the  Form  8-K  filing  is  intended to
simultaneously  satisfy the filing obligation of the registrant under any of the
following  provisions  (see  General  Instruction  A.2.  below):

[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR
    230.425)

[ ] Soliciting  material  pursuant to Rule 14a-12 under the Exchange Act (17 CFR
    240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))



ITEM 2.02    RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

     On  February  10,  2005,  Electronic  Clearing  House,  Inc. issued a press
release  announcing  its  financial  results  for the quarter ended December 31,
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 February 10, 2005, announcing  financial
                   results  for  the  quarter  ended  December  31,  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:  February  10,  2005



                                  EXHIBIT INDEX




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


99.1            Press  Release  dated  February 10, 2005,  announcing  financial
                results  for  the  quarter  ended  December  31,  2004