September 11, 2002, Agoura Hills CA., – Electronic Clearing House, Inc. (NASDAQ:ECHO), a leading provider of electronic payment services, today announced
that the Company has entered into an agreement to provide a complete check management solution to the Navy Exchange Service Command (NEXCOM).

Located in Virginia Beach, Va., NEXCOM operates Navy Exchanges, Navy Lodges, Navy Uniform Shops and Ship’s Stores for the Department of the Navy. Retail facilities include main stores, garden shops, convenience stores, uniform shops and package stores. Service facilities include food/vending service, barber/beauty shops, optical shops, flower shops, gas stations, laundry/dry cleaning and photo finishing.

Electronic Clearing House entered into the agreement through its relationship with Cincinnati-based Provident Bank (NASDAQ:PFGI). The check solution enables NEXCOM to streamline and automate the process of receiving and accounting for checks from its customers. The components of this service include:

• Consolidated returns and electronic check imaging through Provident Bank
• Automated check re-presentment for check returned insufficient funds
• A second re-presentment of the returned check, using ECHO’s SmartDate (payday) technology to increase probability of check clearing.

“We are pleased that NEXCOM finds value in ECHO’s check services and feel honored to be working with them,” said Joel M. Barry, Chairman and CEO of Electronic Clearing House, Inc.

About ECHO:

Electronic Clearing House, Inc. (www.echo-inc.com) provides a complete solution to the payment processing needs of merchants, banks and collection agencies. ECHO’s services include debit and credit card processing, check guarantee, check verification, check conversion, check re-presentment, check collection, and inventory tracking.

Safe Harbor Statement Under the Private Securities Litigation Reform Act of 1995: Any statements set forth above that are not historical facts re forward-looking statements that involve risks and uncertainties that could cause actual results to differ materially from those in the forward-looking statements. Potential risks and uncertainties include, but are not limited to, such factors as fluctuations in demand for the Company’s products and services, the introduction of new products and services, the Company’s ability to maintain customer and strategic business relationships, technological advancements, impact of competitive products and services and pricing, growth in targeted markets, the adequacy of the Company’s liquidity and financial strength to support its growth, and other information detailed from time to time in the Company’s filings with the United States Securities and Exchange Commission.

Investor Contacts:

Donna Rehman, Corporate Secretary 
Electronic Clearing House, Inc.
818-706-8999, ext. 3033 
Agoura Hills, Calif. 
E-MAIL: corp@ECHO-inc.com
URL: http://www.ECHO-inc.com

Crocker Coulson, Partner
Coffin Communications Group
818-789-0100
E-MAIL: crocker.coulson@coffincg.com

Press Releases are also available by calling (800) 233-0406 ext. 3033, or by email to corp@echo-inc.com

2001
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Electronic Clearing House, Inc. (ECHO)
28001 Dorothy Drive
Agoura Hills, CA 91301

Phone: (800) 233-0406
Fax: (818) 991-5973
E-Mail: echo@echo-inc.com
URL: http://www.echo-inc.com