-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 AD7NvFZXk+rZ6azPczPv5iADUrNguZQiDWFCXDM7B7lWZMp52ru4tCx47k0xdp4g
 C0DcbWOiwmy4QvAf8nNimQ==

<SEC-DOCUMENT>0001140361-06-001760.txt : 20060207
<SEC-HEADER>0001140361-06-001760.hdr.sgml : 20060207
<ACCEPTANCE-DATETIME>20060207190925
ACCESSION NUMBER:		0001140361-06-001760
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20060204
FILED AS OF DATE:		20060207
DATE AS OF CHANGE:		20060207

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ELECTRONIC CLEARING HOUSE INC
		CENTRAL INDEX KEY:			0000721773
		STANDARD INDUSTRIAL CLASSIFICATION:	FUNCTIONS RELATED TO DEPOSITORY BANKING, NEC [6099]
		IRS NUMBER:				930946274
		STATE OF INCORPORATION:			NV
		FISCAL YEAR END:			0930

	BUSINESS ADDRESS:	
		STREET 1:		28001 DOROTHY DR
		CITY:			AGOURA HILLS
		STATE:			CA
		ZIP:			91301-2697
		BUSINESS PHONE:		8187068999

	MAIL ADDRESS:	
		STREET 1:		28001 DOROTHY DRIVE
		CITY:			AGOURA HILLS
		STATE:			CA
		ZIP:			91301

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BIO RECOVERY TECHNOLOGY INC
		DATE OF NAME CHANGE:	19860122

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			FEINBERG ARNOLD
		CENTRAL INDEX KEY:			0001188913

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-15245
		FILM NUMBER:		06586764

	BUSINESS ADDRESS:	
		STREET 1:		601 MISSOURI #5
		CITY:			LAWRENCE
		STATE:			KS
		ZIP:			66044
		BUSINESS PHONE:		7858435110

	MAIL ADDRESS:	
		STREET 1:		15638 54TH STREET
		CITY:			OSKALOOSA
		STATE:			KS
		ZIP:			66066
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc1.xml
<DESCRIPTION>FORM 4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2006-02-04</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000721773</issuerCik>
        <issuerName>ELECTRONIC CLEARING HOUSE INC</issuerName>
        <issuerTradingSymbol>ECHO</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001188913</rptOwnerCik>
            <rptOwnerName>FEINBERG ARNOLD</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>15638 54TH STREET</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>OSKALOOSA</rptOwnerCity>
            <rptOwnerState>KS</rptOwnerState>
            <rptOwnerZipCode>66066</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Vice President</officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>10.24</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2006-02-04</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>E</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>5000</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>10.24</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2001-02-04</value>
            </exerciseDate>
            <expirationDate>
                <value>2006-02-04</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>5000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>51200</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value></value>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>Arnold Feinberg</signatureName>
        <signatureDate>2006-02-07</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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