Police say Branden Valenzuela told someone he knew that he was involved in Monday's heist that netted nearly $13,000 from Spencer Savings Bank in Garfield.
The friend took him to the police.
Lt. Darren Sucorowski told The Record newspaper he believes the 20-year-old's conscience got the better of him.
After Valenzuela surrendered, police then arrested 19-year-old Dionis Reyes and recovered $9,771.
Valenzuela and Reyes are charged with armed robbery and are in the Bergen County Jail on $100,000 bail each.
It's not clear if either has retained a lawyer.
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Information from: The Record, http://www.northjersey.com