OctoMom may be protecting her OctoATMs after all -- by making sure the kiddies get their proper cut of the profits when it's time to start filming her reality show.

Nadya Suleman's lawyer told us she has already set up "Coogan Accounts" for the OctoATMS -- which are required for any child actors (aka her kids) under contract. The accounts tuck away 15% of the kids' gross earnings, which can't be touched until they turn the ripe age of 18.

At least they'll have something to show for it.