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ECHO Press Releases 2004

FOR IMMEDIATE RELEASE

Electronic Clearing House, Inc. 
Launches
Upgraded Corporate Website

Camarillo, Calif., January 8, 2004 - Electronic Clearing House, Inc. (Nasdaq: ECHO), a leading provider of electronic payment and transaction processing services, announced today the launch of its upgraded corporate website.

ECHO's website has been re-designed in order to improve navigation, to provide better presentation of the Company's products and services, to maximize the site's appeal to visitors of diverse interests and needs, and to enhance the Investor Relations section of the website. Specific improvements include defined links to major sections of the website and extensive information on ECHO's products and services.

ECHO's enhanced Investor Relations page links to information critical to investors, such as Annual Reports, SEC Filings, Stock Quotes and Charts, Analyst Coverage and Frequently Asked Questions. Additionally, ECHO established a Corporate Governance page, which identifies the Company's board of directors, the committees of the board, and various board committee charters and policies. Also, ECHO added a direct link to an Insider Transaction page, which leads interested parties to information on insider holdings and Section 16 filings.

"We are very excited about the launch of the renewed website which we believe is a powerful tool to convey relevant information on ECHO's business to stockholders, customers and strategic partners," said Joel Barry, Chairman and CEO of ECHO. "We believe that the upgraded corporate website will help to enhance ECHO's overall visibility in the market. I am especially proud of our technology department, whose hard work has enabled ECHO to establish a more sophisticated and robust website."

About Electronic Clearing House, Inc. (ECHO)

Electronic Clearing House, Inc. 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.

For more information about ECHO, please visit www.echo-inc.com.

Safe Harbor Statement Under the Private Securities Litigation Reform Act of 1995: Any statements set forth above that are not historical facts are 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.


Contact:
     Electronic Clearing House, Inc.
     Donna Rehman, 805-419-8533
     corp@ECHO-inc.com 
     http://www.echo-inc.com
      or
     Coffin Communications Group
     Crocker Coulson, 818-789-0100
     crocker.coulson@coffincg.com 
Related Information

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ECHO Credit Card Processing has been tested and found compliant under the PCI bankcard security standard by ComplyGuard Networks, Inc. ECHO provides credit card processing, merchant accounts and check payment processing services Electronic Clearing House Inc ECHO has been in business since 1986. ECHO Credit Card Processing, Merchant Account and Check Service Provider

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