All locations will be closed on Monday, May 29, in observance of Memorial Day.

Kristina Julkowski

Personal Lender

Kristina Julkowski serves as Personal Banking Supervisor in Fargo, ND. Originally from Sartell, MN, Kristina brings three years of experience to Gate City Bank. She studied finance at North Dakota State University and Minnesota State University Moorhead.

In her free time, Kristina loves watching movies with her husband, being outside (when it isn’t -30 degrees out) and spending time with family and friends as much as possible. Most people don’t know that she earned her second-degree black belt in karate!

To Kristina, being a team member at Gate City Bank simply means creating a welcoming atmosphere for as many people as you can. Among Gate City Bank’s Principles of High Standards, her favorite is Customer Obsession because “I love working with our customers and getting to know them! I really care about making those connections on a daily basis.”