Kenya Moore -- NeNe Needs To Check Herself ... Then Cut Me A Check

Kenya Moore has a message for NeNe Leakes ... I'm rich enough to make an eyeball-popping donation to charity ... so now it's your turn to pony up, bitch.

Kenya tells TMZ ... she made good on the challenge NeNe made on the "Real Housewives of Atlanta" reunion show ... by cutting a $20,000 check to the Detroit Public Schools Foundation.

NeNe had said Kenya was all smoke and mirrors and didn't have that kind of loot ... but now that Kenya has stepped up, she's calling NeNe out on her own words -- that she'd match the $20K.

We reached out to NeNe to see if she'll make good. So far, no response.

As for Kenya ... she says she chose to give to Detroit because she grew up there, and the city means a lot to her. According to the deal, NeNe has to earmark her $20K for the same charity.

Go Motown!