Bottom line, I think he was in on it, and 3 people were involved total.
The FBI has been exploring whether one of the bank employees was a girlfriend of a man who worked with Wells at Mama Mia's Pizza-Ria, 5154 Peach St., where the 46-year-old Wells was a deliveryman. The source who has been involved in the investigation told the Erie Times-News a bank employee told investigators she was a girlfriend of someone who worked at the pizza parlor.
My theory is that this girl, the hapless victim, and the heretofore unidentified 3rd person implied in the above quote were all "in on it". I think that the girl approached this co-worker of Wells, with this crazy idea of how to rob a bank and not get caught. She provided details of how much money could be expected (but probably got that amount wrong), and dreamed up the "bomb" bit herself. She probably knew that Wells' co-worker was handy with machinery, thus, could probably build a reasonable looking device that would LOOK like a bomb. Then had her friend tell WElls that it was a "perfect plan", and all you had to do, if you got caught, was tell that someone who you never met before strapped this bomb on your body and forced you to do it.
However, the girl and Well's co-worker had their own plot, probably. Wells' co-worker really DID build a bomb, and they both planned to actually blow up Wells when he returned with the money. (to me, this kind of explains why Wells said he'd "be back later" for the rest of the money, as he thought he wasn't really in any danger. It also explains, to me, why he wasn't really panicked when he was pulled over. He didn't look panicked to me, I saw the video of his explosion myself).
ANYWAY, that's my theory as to what happened. I think that may be something to consider; may be what the FBI is considering, if they're still interviewing the bank employee who was also a friend of Wells' co-worker.
At least it makes for a good movie. hehe