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) July 12, 2004



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



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



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



        Registrant's telephone number, including area code (805) 419-8700



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



ITEM 5.   OTHER  EVENTS

          On July 14, 2004, the Registrant issued a press release announcing the
          appointment  of  Mr. Field. A copy of the press release is attached to
          this  report  as  Exhibit  99.1  and  is  incorporated  herein by this
          reference.


ITEM 7.   FINANCIAL  STATEMENTS  AND  EXHIBITS


(c)  Exhibits


     Exhibit
     Number     Description of Document
     ------     -----------------------

     99.1       Press release issued and dated July 14, 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: July 14, 2004



                                  EXHIBIT INDEX
                                  -------------



Exhibit
Number         Description of Document
------         -----------------------

99.1           Press release issued and dated July 14, 2004.