Mama June -- I Don't Owe Anna a Dime ... TLC Paid Her Direct!

Mama June is crafting a "direct deposit defense" against her daughter Anna's claims MJ made off with thousands of TLC dollars from the family's "Here Comes Honey Boo Boo" days.

Mama June tells TMZ it's "ridiculous" to think she owes Chickadee any money ... because she says the network deposited Anna's money directly into her accounts.

MJ says their most recent contract, drawn up in September 2012, specifically stated that one-third of the family's $22,500/episode paycheck was to be divided up equally among the kids and paid to them individually -- meaning Mama June never saw a cent of it.

Mama June claims she gave Anna a $15,400 check last December ... her cut of a lump sum the family was paid when their show was cancelled.