<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>body.txt
<DESCRIPTION>ECHO 8-K 9-19-2005
<TEXT>
                       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): September 19, 2005


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


NEVADA                                  0-15245                       93-0946274
--------------------------------------------------------------------------------
(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


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


<PAGE>
SECTION 5 CORPORATE  GOVERNANCE  AND  MANAGEMENT

ITEM 5.02 DEPARTURE  OF DIRECTORS  OR PRINCIPAL OFFICERS; ELECTION OF DIRECTORS;
          APPOINTMENT  OF  PRINCIPAL  OFFICERS.

          Effective  as  of September 19, 2005, in accordance with the Bylaws of
          the Registrant, Mr. Charles J. Harris was appointed as a member of the
          Registrant's  Board  of  Directors.  On  that  date,  Mr.  Harris also
          commenced his employment for the Registrant as its President and Chief
          Operating Officer. Mr. Harris has served in executive, operational and
          sales  leadership  positions  at  prominent  organizations  including
          Paymentech  and  Electronic  Data  Systems.  His  last position was as
          President  of  Merchant Link, a wholly-owned subsidiary of Paymentech,
          which supplies electronic payment technologies and outsourced services
          to  the  point-of-sale  market.  Mr.  Harris  holds  a  BA in Business
          Administration  with  an  emphasis  in  Finance from the University of
          Texas.

          No  arrangement  or  understanding  exists  between Mr. Harris and any
          other persons pursuant to which Mr. Harris was selected as a director.

          The  Board  of Directors does not expect that Mr. Harris will join the
          Board's  Audit  Committee,  Compensation  Committee  or Governance and
          Nominating  Committee  given  his  employment  with  the  Registrant.

          Since  the  beginning of the Registrant's last fiscal year, Mr. Harris
          has  had  no  direct  or indirect material interest in any transaction
          exceeding  $60,000  to  which  the  Registrant  was  a  party.

ITEM 5.03 AMENDMENTS  TO  ARTICLES OF INCORPORATION OR BYLAWS; CHANGE  IN FISCAL
          YEAR

          Effective  as  of  September  19,  2005,  to  enable  Mr. Harris to be
          appointed,  the  Registrant's  Board of Directors amended Section 2 of
          Article  III  of  the  Registrant's  Bylaws  to  read  as  follows:

               "The  designated  number  of  directors which constitute the
               board  shall  be the number fixed by resolution of the board
               from  time  to  time,  which  resolution  shall at all times
               remain  consistent  with the provisions of Section 1 of this
               Article III; provided, however, that no decrease in the size
               of  the  board  of  directors  shall  operate  to remove any
               sitting  director prior to the concluding date specified for
               his  term  of  office."

          Prior  to  the amendment, Section 2 of Article III of the Registrant's
          Bylaws  read  as  follows:

               The  present designated number of directors which constitute
               the  board shall be six (6). This number may be increased or
               decreased by amendment to this section of the by-laws at any
               duly  authorized  meeting  of  the board of directors called
               with  at  least  two  weeks  prior  written  notice  of such
               proposed amendment to each director; provided, however, that
               no


<PAGE>
               decrease in the size of the board of directors shall operate
               to  remove any sitting director prior to the concluding date
               specified  for his term of office. Stockholders have a right
               to  remove  the  members  of  the board of directors with or
               without  cause,  even  if  the  board  is  classified,  by a
               majority  of  the  outstanding  shares  entitled  to  vote.


<PAGE>
                                   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: September 21, 2005


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