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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 L3Sq4E8FJnE9v61ub+qoiqc9R95tywjjPh+wP+gObLCIBrbdcCkY6YXnGgrBO8KI
 lkWZOPTP/ELQvPy4KmmWsw==

<SEC-DOCUMENT>0001140361-07-013760.txt : 20070705
<SEC-HEADER>0001140361-07-013760.hdr.sgml : 20070704
<ACCEPTANCE-DATETIME>20070705191541
ACCESSION NUMBER:		0001140361-07-013760
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20070702
FILED AS OF DATE:		20070705
DATE AS OF CHANGE:		20070705

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:		730 PASEO CAMARILLO
		CITY:			CAMARILLO
		STATE:			CA
		ZIP:			93010
		BUSINESS PHONE:		8187068999

	MAIL ADDRESS:	
		STREET 1:		730 PASEO CAMARILLO
		CITY:			CAMARILLO
		STATE:			CA
		ZIP:			93010

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

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			McElhatton Jerry
		CENTRAL INDEX KEY:			0001403695

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-15245
		FILM NUMBER:		07965974

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		805-419-8533

	MAIL ADDRESS:	
		STREET 1:		43 BAREWOOD PLACE
		CITY:			DALLAS
		STATE:			TX
		ZIP:			75248
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>doc1.xml
<DESCRIPTION>FORM 3
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2007-07-02</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001403695</rptOwnerCik>
            <rptOwnerName>McElhatton Jerry</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>43 BRAEWOOD PLACE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>DALLAS</rptOwnerCity>
            <rptOwnerState>TX</rptOwnerState>
            <rptOwnerZipCode>75248</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle></officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>common</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value></value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>Jerry McElhatton</signatureName>
        <signatureDate>2007-07-05</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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