The FBI arrested the man believed to have robbed the Centennial Bank branch on Whitehead Street in Key West on Jan. 11.
The agency filed a criminal complaint in federal court on Tuesday against Frank Nerkell Wright, 39, of Miami, who is accused of demanding a bank teller place cash in a gift bag and lifting up his shirt to reveal what appeared to be a handgun in his waistband.
The complaint was sealed until Friday. Wright was arrested Thursday, May 5.
The robber was wearing a hat, sunglasses, a dark jacket and light-colored shorts. He arrived and left the bank on a bicycle.
After viewing the robber's image, which was broadcast on television newscasts that night, an informant contacted an undisclosed law enforcement agency and said he recognized the person shown on TV as a man he knew as "Pimp."
The informant said he ran into Pimp at the McDonald's restaurant in Marathon on Jan. 11, and Pimp said he was taking a bus to Florida City. From there he planned to take a taxi to Opa-Locka.
The informant said Pimp was carrying a black duffel back and a colored gift bag. He gave the informant $12 "in crisp one-dollar bills," according to the FBI affidavit.
Before leaving McDonald's, the informant said Pimp gave him his cell phone number. The informant contacted Pimp through that number the next day.
Cell-phone tower history shows the phone linked to the number the informant gave police left the Miami area on Jan. 5 and was in Key West and surrounding areas from Jan. 6 to Jan. 11.
Police also viewed the McDonald's security camera footage that the FBI says shows Wright arriving and leaving the restaurant the night of Jan. 11.
On Jan. 15, police found a hat and jacket in a dumpster that appeared to be the same as the ones worn by the robber. The next day, a man told police he lent the items to a man staying with him. He only knew the man as "Pacman." After being shown a photograph, the man identified Wright as Pacman.
Two witnesses who say they saw the robber's face identified Wright as the robber in a photo lineup, according to the FBI complaint.
Wright has a lengthy criminal history in both Monroe and Miami-Dade counties. He was arrested four times in the Keys between 2002 and 2004, all on misdemeanor charges. He was arrested 14 times in Miami-Dade on charges ranging from cocaine possession to kidnapping.
Wright's arraignment is scheduled for May 20 at 2:30 in front of Judge Lurana Snow at the Key West federal courthouse on Simonton Street.