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):  May 5, 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)



SECTION  5     CORPORATE GOVERNANCE AND MANAGEMENT

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

               On  May 5, 2005, in accordance with the Bylaws of the Registrant,
               Mr.  H.  Eugene  Lockhart  was  appointed  as  a  member  of  the
               Registrant's  Board  of  Directors.  Mr.  Lockhart  is  a Venture
               Partner  with  Oak  Investment  Partners  responsible  for  the
               development and management of Oak's Financial Services Technology
               Portfolio.  Mr.  Lockhart  was  previously  President  and CEO of
               MasterCard  International,  President  of the Global Retail Bank,
               Senior Vice Chairman of BankAmerica Corporation, and President of
               Consumer Services at AT&T. Mr. Lockhart currently sits on various
               public  boards  such  as  RJR/Nabisco  Holdings,  RadioShack
               Corporation,  Dun  & Bradstreet, Inc., IMS Health, Inc. and Asset
               Acceptance  Capital  Corporation.  Mr.  Lockhart  received  his
               undergraduate  degree  from  the  University  of  Virginia  in
               Mechanical  Engineering,  and  received  an  MBA  from the Darden
               School  at  the  University  of  Virginia.

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

               The  Board  of  Directors expects that Mr. Lockhart will join the
               Board's  Audit  Committee,  Compensation Committee and Governance
               and  Nominating  Committee.

               Since  the  beginning  of  the  Registrant's  last  fiscal  year,
               Mr.  Lockhart  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  May  5,  2005, to enable Mr. Lockhart to be appointed,
               the Registrant's Board of Directors amended the first sentence of
               Section  2  of  Article III of the Registrant's Bylaws to read as
               follows:  "The  present  designated  number  of  directors  which
               constitute  the  board  shall  be  six  (6)." The prior provision
               designated  the  number of directors that constitute the board to
               five  (5).

SECTION 9 - FINANCIAL STATEMENTS AND EXHIBITS

ITEM 9.01.     FINANCIAL STATEMENTS AND EXHIBITS.


(c)  Exhibits

     none



                                   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:  May 9, 2005