You need to see a consume attorney and take the document that are describing as a pod with you
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The designation of POD means (Payable on Death). This does not mean, as you stated, that when you die your daughter would "know about" your account. It means that she will receive the bank account and all of the funds in it.
Most banks send nothing to someone listed as POD as your daughter is here. You can list anyone as POD and not even tell them, so some people never even know they were POD until the account holder passes away.
There is absolutely no issue of your overdraft having an effect on the credit of the POD beneficiary. Her credit cannot be affected by your bank account. Nor is she responsible for your overdraft and the fees associated.
As you whether or not the bank is liable for sending the statements, you need to speak with an attorney. I practice in the Cincinnati area if you haven't already contacted one. My information should be available in my profile.