UNITED STATES
                       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 8, 2005


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

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

             ______________________________________________________

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  August  8, 2005, Electronic Clearing House, Inc. issued a press release
announcing  its financial results for the quarter ended June 30, 2005. 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 August 8, 2005, announcing financial
                        results for the quarter ended June 30, 2005.



                                   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 and
                                            Chief Financial Officer



Dated: August 8, 2005



                                  EXHIBIT INDEX




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


99.1            Press Release dated August 8, 2005, announcing financial results
                for the quarter ended June 30, 2005