Tita Nyambi, 25, was still at the Chase Bank in Franklin, in Somerset County, when police arrived Monday afternoon.
Tellers called to report that a man wearing women's clothes and speaking in a high pitched voice was trying to withdraw money through the bank's drive-thru window.
Police say Nyambi handed tellers his mother's license and a bank form forged with her signature. Nyambi was arrested and charged with forgery and attempted theft by deception.
Franklin police Sgt. Philip Rizzo says Nyambi was wearing his mother's pink blouse, her black coat and head scarf.
It could not be determined Tuesday whether Nyambi, who was still in jail, has an attorney. No phone listing for him could be found.
Information from: The Star-Ledger, http://www.nj.com/starledger