Creative Writing Practice Exam 2026 – The All-in-One Resource to Master Your Writing Skills!

The term that best describes individuals who misappropriate funds from a bank is "peculators." This word refers specifically to individuals who engage in embezzlement or fraudulent schemes, typically involving the wrongful appropriation of funds, often in a fiduciary capacity. The connotation is clear, with a legal and moral implication of dishonesty and theft.

In contrast, the other terms do not align with the act of misappropriating funds. For instance, "benefactors" refers to individuals who provide help or support, typically in a charitable manner, which is the opposite of misappropriation. "Auditors" are professionals who review financial records for accuracy and compliance, playing a role in accountability rather than misconduct. Lastly, "investors" are individuals who allocate resources, usually money, into ventures with the expectation of generating a return, which does not involve misappropriation. Therefore, "peculators" is the most accurate term for individuals involved in the wrongful taking of bank funds.